Description/Job Summary The primary scope of this position involves, at a moderate-to- high level of competency, discovering, developing and maintaining direct clients and participation purchase relationships via other
Responsibilities/Duties Assist with developing and implementing a business marketing plan (including any cross-sell opportunities) with an emphasis on building and maintaining a high quality and profitable loan portfolio that has sustainability for the long term. This will include loan originations in the Texas trade area served by the Association and being able to work with complex loans and loan participation packages. Manage overall client relationships by making sure the Association is meeting the customer’s financing and other needs. Analyze and properly structure credit requests that are direct, participations or involve syndications, assist in developing industry sector and peer group analysis, portfolio analysis and other special projects as assigned. Perform risk assessment and mitigants thereof, determine appropriate loan pricing relative to risk and loan administration, perform due diligence, and monitoring as necessary existing loans, new loan requests, excess loans and loan participation packages received from other Farm Credit associations or other commercial lenders. Make credit presentations to loan committee/senior management with recommendation for approval or denial of loan requests. Understand and properly implement credit policy for Agribusiness and Association. Makes suggested changes to policy and procedures as warranted.
Interpret, communicate, help to administer and provide guidance to Agribusiness/Managing Director regarding sound lending practices. Conducts research, including effective knowledge of Internet as a resource. Make recommendations for improvements of business development function within Agribusiness, including new technology. resources, etc needed to perform at a high level. Provide input to department’s annual business plan and projected needs in the future. Provide, follow and convey verbal instructions, and provide and receive feedback as appropriate in a respectful, business-appropriate manner. Make effective business presentations, both written and oral, to small and large audiences is required. Must also be adept at: conflict management, adaptability, problem-solving, multi-tasking, influencing others, creativity and being a self-starter. Assists in the development and closing of complex loans by assisting other associations with analysis and negotiation of such credits.Assists other Association personnel in completing coordinated projects as assigned.
Required Skills This position requires skill and knowledge of how financial institutions operate, development of new business and maintenance of existing business, extension of complex credit facilities, financial analysis, the use of various loan analysis software programs, accounting standards (accrual and cash), legal aspects of extending credit, credit policies and procedures, as well as use of the Internet. Excellent computer, interpersonal and communication skills are required. A thorough knowledge is required of financial credit analysis (including projections), collateral analysis, appraisal standards and repayment performance in the areas of agriculture/agribusiness loans, mortgage loans and commercial/operating credits. Must be able to accurately identify, measure and manage all risks involved with extending credit to agribusiness enterprises via direct, loan participations and/or syndications. Must be proficient with Microsoft Office software and have an understanding of credit analysis software. A moderate-to-high level of independence is expected.
Required Experience Eight (8) or more years experience involving credit extension, including the marketing, credit underwriting, administration and analysis of commercial and agribusiness credits. Must have some experience and knowledge in the analysis and structuring of complex credit facilities (particularly Agribusiness related), as well as negotiating and dealing with large loans over $5 million. Should have some experience in working with client management/owners and financial institutions. Must be highly competent with a successful track record in structuring, evaluating and negotiating various types of senior credit facilities. Must be able to manage excess loans (above delegated authorities) and loan participations/syndications, and be competent in analyzing direct loan/correspondent lending relationships
Details OTHER: Must be able to sit for long periods of time, and ability to stand for limited periods of time. Conduct telephone conversations both in a conference format and with individual loan officers. Frequent finger/hand manipulation (i.e., keyboard, office equipment, etc). Occasional lifting, carrying, pushing and/or pulling up to 20 pounds of force. This job description in no way states or implies that these are the only duties to be performed by the employee occupying this position. The employee will be required to follow any other job-related instructions and to perform any other job-related duties requested by their supervisor. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees. Regular attendance is required in this job. This document does not create an employment contract, implied or otherwise, other than an "at will" employment relationship
TO APPLY: Apply Online at www.capitalfarmcredit.com (Click on About Us/Careers with CFC/Launch the Employment Center); Fill out an online application completely and upload a current resume. Contact Randy.Breitling@CapitalFarmCredit.com with any questions
Closing Date: Position will be posted until filled, until sufficient candidates are reviewed to ensure a qualified selection can be made, or until closed at the discretion of the Association
Capital Farm Credit, ACA - 2 years ago